Growing Your Small Business

Opportunities for Women- and Minority-Owned Small Businesses Learn about the various opportunities available to launch, sustain, and expand your small business. 7 min

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Illustration of small business and financial charts.

Small Business Essentials Learn the basics of managing a small business. 6 Topics

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Commercial Financing Finding the right commercial financing is easier said than done. If you’re starting a business or trying to grow, finding the right option can be a tough task. Learn more about different commercial financing options and how First Bank can help. Commercial Financing Questions and Options While finding commercial financing can be critical to business development, navigating the process is never easy. Understanding your financing options can be the difference between success or stagnation. Whether it’s knowing how much to borrow or finding a good rate, few business owners can do it alone. There are a range of products for business owners to get capital. Here are some options you will find at First Bank: Lines of Credit First Bank offers several different lines of credit for small business owners. Whatever your needs, you’ll find the flexibility to access your money both quickly and conveniently. And the good news is, once your credit line is repaid, you can reuse it as needed to keep pace as business opportunities arise. SBA Loans Perfect for small business owners, SBA loans are government sponsored. This can help people get started when traditional commercial financing isn’t an option. Learn more about First Bank SBA and how we help small businesses. Loans for Construction Whether you’re building, remodeling, or expanding your space, we can help you find a solution. First Bank’s financing specialists help connect builders and borrowers with the loans they need to get the job done. Business and Commercial Loans Business owners are able to quickly enhance their financing with First Bank’s competitive loans and mortgages. If you’re financing small items or need real estate expertise, these are the best options for you. Find a First Bank Branch Near You We take pride in getting small businesses the financing they need to be successful. Whether you’re just starting up or are looking to grow, we can find the money you need so you can spend time building your business. Get started today by finding a First Bank branch near you! Loans Subject To Approval 2 min read

Small Business Startup Loans – South Carolina Building a successful business takes passion, hard work, and dedication, but you shouldn’t have to do it all on your own. With First Bank’s small business startup loans, you can get the funds you need to build and grow a successful business from the ground up. Get a Startup Loan from First Bank Small business startup loans aren’t one-size-fits-all and that’s why your local First Bank offers five business loan options to meet the unique needs of businesses like yours. Each of our credit options provides you with competitive rates and flexible terms, giving you an edge over the competition. We provide our customers with: A business credit card with rewards benefits that offers lower rates and no annual fee.* Lines of credit that give you the ability to access cash quickly and conveniently. Business loans for long-term financing so you can expand your new business easily and quickly. Commercial mortgages that can be customized to meet your individual needs. SBA loans, which are government-sponsored loans provided through First Bank. First Bank Success Story In 1918, Schofield’s Hardware Store in Florence, South Carolina, opened for the first time. Nearly 100 years later, Schofield’s is still providing its loyal Florence customers with a variety of products from clothing to paint. “Whether it’s a traditional business loan, credit line, commercial mortgage, construction loan or business credit card, First Bank can provide the foundation you need to become your own success story.” Our support for small businesses reaches well beyond startup loans. Check out our Financial Education Center to learn more about starting and running your own business, including: Evaluating a location for business potential Tips on marketing and social media strategies Cash management mistakes and how to avoid them Utilizing Google to help new customers find you Ways to grow a loyal customer base Visit First Bank Today Our resources for small business owners don’t end with startup loans. We also offer business checking accounts, savings accounts, treasury services, and more. To learn about our small business startup loans, visit one of First Bank’s South Carolina locations today. *See our Terms and Conditions for complete details on our One Rewards Program. Loans subject to credit approval. ——— Sources: Money Crashers: http://www.moneycrashers.com/new-home-construction-loan/ 2 min read

North Carolina Industries and Their Economic Impact [INFOGRAPHIC] We're excited to bring you the first in a series of three exploratory infographics on the key industries in North Carolina, South Carolina and Virginia, and their respective impact on their state's economies. 1 min read

Where to Get Mobile Payroll Solutions In today’s on-the-go world, you can do just about anything from a mobile phone, tablet or laptop. If you run a business in this tech-driven environment and have employees to pay, you might be wondering where to get mobile payroll solutions. First Bank has more than 100 locations in the Carolinas, but you don’t need to physically visit one to satisfy your payroll or banking needs. With free online and mobile banking for all of our business checking and savings accounts, First Bank is with you and your employees wherever you go. Mobile Banking Options First Bank provides customers with two easy ways to bank on the go. With a wireless web connection, just log into your account through our website to access your money 24 hours a day, making it easy to process your payroll during off-business hours. If you have an iPhone, iPod touch or Android device, just download our LocalFirstBank mobile app* and access your account with one touch of the screen. Mobile Payroll Benefits First Bank is the go-to place to get mobile payroll solutions. We offer a number of advantages associated with digital banking. By being able to make direct deposits from any location at any time, our business customers can: Cut Costs. Stop spending money on printed checks and postage and avoid fees associated with stop payments and reissues for lost or stolen checks. Improve timeliness. Nobody likes waiting for their paycheck and with our direct deposit service you can easily distribute checks to absent or off-site employees. Eliminate the time required to print, sign and mail checks. Reduce risk. Eliminate check fraud by eliminating checks altogether. Provide added convenience. Allow your employees to split their deposits between checking and savings accounts and reduce trips to the bank. Get Mobile Payroll Solutions with First Bank Learn more about why First Bank is where to get mobile payroll solutions and how you can even use payroll cards to make direct deposits to employees without bank accounts. *While First Bank does not charge for mobile banking, check with your mobile service provider for web access fees. iPhone®, and iPod Touch® are registered trademarks of Apple, Inc. Android™ is a trademark of Google Inc. ——— Sources: Investopedia: http://www.investopedia.com/terms/d/directdeposit.asp Investopedia: 2 min read

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